Pandas Profiling Report

Dataset statistics

Number of variables	17
Number of observations	804
Missing cells	18
Missing cells (%)	0.1%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	106.9 KiB
Average record size in memory	136.2 B

Variable types

NUM	9
BOOL	4
CAT	3
UNSUPPORTED	1

Reproduction

Analysis started	2020-08-30 07:05:02.541481
Analysis finished	2020-08-30 07:05:32.564766
Duration	30.02 seconds
Version	pandas-profiling v2.8.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

Warnings

`ID` has unique values	Unique
`Education_loan` is an unsupported type, check if it needs cleaning or further analysis	Unsupported
`Emp_duration` has 30 (3.7%) zeros	Zeros

ID
Real number (ℝ_≥0)

UNIQUE

Distinct count	804
Unique (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	502.5
Minimum	101
Maximum	904
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	101
5-th percentile	141.15
Q1	301.75
median	502.5
Q3	703.25
95-th percentile	863.85
Maximum	904
Range	803
Interquartile range (IQR)	401.5

Descriptive statistics

Standard deviation	232.2391009
Coefficient of variation (CV)	0.462167365
Kurtosis	-1.2
Mean	502.5
Median Absolute Deviation (MAD)	201
Skewness	0
Sum	404010
Variance	53935

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
904	1	0.1%
364	1	0.1%
374	1	0.1%
373	1	0.1%
372	1	0.1%
371	1	0.1%
370	1	0.1%
369	1	0.1%
368	1	0.1%
367	1	0.1%
Other values (794)	794	98.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
101	1	0.1%
102	1	0.1%
103	1	0.1%
104	1	0.1%
105	1	0.1%

Value	Count	Frequency (%)
904	1	0.1%
903	1	0.1%
902	1	0.1%
901	1	0.1%
900	1	0.1%

Default
Boolean

Distinct count	2
Unique (%)	0.2%
Missing	1
Missing (%)	0.1%
Memory size	6.3 KiB

No	568
Yes	235
(Missing)	1

Frequency Table

Value	Count	Frequency (%)
No	568	70.6%
Yes	235	29.2%
(Missing)	1	0.1%

Checking_amount
Real number (ℝ)

Distinct count	584
Unique (%)	72.7%
Missing	1
Missing (%)	0.1%
Infinite	0
Infinite (%)	0.0%

Mean	370.07098381070983
Minimum	-436.0
Maximum	1319.0
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	-436
5-th percentile	-108.9
Q1	165.5
median	357
Q3	567
95-th percentile	886.5
Maximum	1319
Range	1755
Interquartile range (IQR)	401.5

Descriptive statistics

Standard deviation	301.8784477
Coefficient of variation (CV)	0.8157312
Kurtosis	-0.04827371015
Mean	370.0709838
Median Absolute Deviation (MAD)	199
Skewness	0.2079262984
Sum	297167
Variance	91130.5972

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
375	5	0.6%
58	4	0.5%
297	4	0.5%
231	4	0.5%
16	4	0.5%
445	4	0.5%
255	3	0.4%
170	3	0.4%
568	3	0.4%
-44	3	0.4%
Other values (574)	766	95.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-436	1	0.1%
-407	1	0.1%
-386	1	0.1%
-383	1	0.1%
-379	1	0.1%

Value	Count	Frequency (%)
1319	1	0.1%
1296	1	0.1%
1275	1	0.1%
1217	1	0.1%
1213	1	0.1%

Term
Real number (ℝ_≥0)

Distinct count	19
Unique (%)	2.4%
Missing	1
Missing (%)	0.1%
Infinite	0
Infinite (%)	0.0%

Mean	17.835616438356166
Minimum	9.0
Maximum	27.0
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	9
5-th percentile	12
Q1	16
median	18
Q3	20
95-th percentile	23
Maximum	27
Range	18
Interquartile range (IQR)	4

Descriptive statistics

Standard deviation	3.266680075
Coefficient of variation (CV)	0.1831548737
Kurtosis	-0.09089679072
Mean	17.83561644
Median Absolute Deviation (MAD)	2
Skewness	0.02861842049
Sum	14322
Variance	10.67119872

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
18	109	13.6%
17	98	12.2%
19	92	11.4%
16	73	9.1%
20	72	9.0%
21	69	8.6%
15	67	8.3%
14	49	6.1%
22	36	4.5%
13	34	4.2%
Other values (9)	104	12.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
9	3	0.4%
10	7	0.9%
11	11	1.4%
12	21	2.6%
13	34	4.2%

Value	Count	Frequency (%)
27	3	0.4%
26	5	0.6%
25	13	1.6%
24	15	1.9%
23	26	3.2%

Credit_score
Real number (ℝ_≥0)

Distinct count	276
Unique (%)	34.4%
Missing	2
Missing (%)	0.2%
Infinite	0
Infinite (%)	0.0%

Mean	759.5960099750623
Minimum	376.0
Maximum	1029.0
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	376
5-th percentile	610
Q1	725
median	770
Q3	811
95-th percentile	860
Maximum	1029
Range	653
Interquartile range (IQR)	86

Descriptive statistics

Standard deviation	76.49096547
Coefficient of variation (CV)	0.1006995356
Kurtosis	1.961721091
Mean	759.59601
Median Absolute Deviation (MAD)	43
Skewness	-0.879983214
Sum	609196
Variance	5850.867799

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
771	12	1.5%
773	10	1.2%
813	9	1.1%
766	9	1.1%
756	9	1.1%
799	9	1.1%
763	8	1.0%
815	8	1.0%
844	8	1.0%
772	8	1.0%
Other values (266)	712	88.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
376	1	0.1%
451	1	0.1%
469	1	0.1%
512	2	0.2%
518	1	0.1%

Value	Count	Frequency (%)
1029	1	0.1%
991	1	0.1%
974	1	0.1%
962	1	0.1%
941	1	0.1%

Gender
Categorical

Distinct count	2
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	6.3 KiB

Male	518
Female	286

Common Values
Length

Value	Count	Frequency (%)
Male	518	64.4%
Female	286	35.6%

Length

Max length	6
Median length	4
Mean length	4.711442786
Min length	4

Marital_status
Categorical

Distinct count	2
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	6.3 KiB

Single	421
Married	383

Common Values
Length

Value	Count	Frequency (%)
Single	421	52.4%
Married	383	47.6%

Length

Max length	7
Median length	6
Mean length	6.476368159
Min length	6

Car_loan
Boolean

Distinct count	2
Unique (%)	0.2%
Missing	1
Missing (%)	0.1%
Memory size	6.3 KiB

No	540
Yes	263
(Missing)	1

Frequency Table

Value	Count	Frequency (%)
No	540	67.2%
Yes	263	32.7%
(Missing)	1	0.1%

Personal_loan
Boolean

Distinct count	2
Unique (%)	0.2%
Missing	3
Missing (%)	0.4%
Memory size	6.3 KiB

Yes	408
No	393
(Missing)	3

Frequency Table

Value	Count	Frequency (%)
Yes	408	50.7%
No	393	48.9%
(Missing)	3	0.4%

Home_loan
Boolean

Distinct count	2
Unique (%)	0.2%
Missing	2
Missing (%)	0.2%
Memory size	6.3 KiB

No	760
Yes	42
(Missing)	2

Frequency Table

Value	Count	Frequency (%)
No	760	94.5%
Yes	42	5.2%
(Missing)	2	0.2%

Education_loan
Unsupported

REJECTED
UNSUPPORTED

Missing	1
Missing (%)	0.1%
Memory size	6.4 KiB

Emp_status
Categorical

Distinct count	2
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	6.3 KiB

unemployed	503
employed	301

Common Values
Length

Value	Count	Frequency (%)
unemployed	503	62.6%
employed	301	37.4%

Length

Max length	10
Median length	10
Mean length	9.251243781
Min length	8

Amount
Real number (ℝ_≥0)

Distinct count	573
Unique (%)	71.4%
Missing	1
Missing (%)	0.1%
Infinite	0
Infinite (%)	0.0%

Mean	1217.6301369863013
Minimum	244.0
Maximum	2362.0
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	244
5-th percentile	717.2
Q1	1007.5
median	1224
Q3	1422
95-th percentile	1719
Maximum	2362
Range	2118
Interquartile range (IQR)	414.5

Descriptive statistics

Standard deviation	308.279582
Coefficient of variation (CV)	0.2531799868
Kurtosis	-0.008605283972
Mean	1217.630137
Median Absolute Deviation (MAD)	205
Skewness	-0.02283736831
Sum	977757
Variance	95036.30069

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
1062	5	0.6%
1085	5	0.6%
1281	4	0.5%
1286	4	0.5%
1146	4	0.5%
1429	4	0.5%
1162	4	0.5%
783	3	0.4%
1111	3	0.4%
1224	3	0.4%
Other values (563)	764	95.0%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
244	1	0.1%
316	1	0.1%
385	1	0.1%
386	1	0.1%
395	1	0.1%

Value	Count	Frequency (%)
2362	1	0.1%
2066	1	0.1%
2052	1	0.1%
1983	1	0.1%
1982	1	0.1%

Saving_amount
Real number (ℝ_≥0)

Distinct count	594
Unique (%)	73.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	3174.814676616915
Minimum	2082
Maximum	4108
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	2082
5-th percentile	2615.15
Q1	2948.75
median	3200
Q3	3395
95-th percentile	3715.55
Maximum	4108
Range	2026
Interquartile range (IQR)	446.25

Descriptive statistics

Standard deviation	340.2855686
Coefficient of variation (CV)	0.1071828133
Kurtosis	-0.08647134084
Mean	3174.814677
Median Absolute Deviation (MAD)	227
Skewness	-0.1026719465
Sum	2552551
Variance	115794.2682

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
3391	4	0.5%
3183	4	0.5%
2929	4	0.5%
3459	4	0.5%
3273	4	0.5%
3282	4	0.5%
3384	4	0.5%
3199	3	0.4%
3237	3	0.4%
3145	3	0.4%
Other values (584)	767	95.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
2082	1	0.1%
2145	1	0.1%
2191	2	0.2%
2290	1	0.1%
2350	1	0.1%

Value	Count	Frequency (%)
4108	1	0.1%
4044	1	0.1%
4022	1	0.1%
4021	1	0.1%
4014	1	0.1%

Emp_duration
Real number (ℝ_≥0)

ZEROS

Distinct count	121
Unique (%)	15.1%
Missing	3
Missing (%)	0.4%
Infinite	0
Infinite (%)	0.0%

Mean	47.561797752808985
Minimum	0.0
Maximum	120.0
Zeros	30
Zeros (%)	3.7%
Memory size	6.3 KiB

Quantile statistics

Minimum	0
5-th percentile	1
Q1	14
median	39
Q3	79
95-th percentile	114
Maximum	120
Range	120
Interquartile range (IQR)	65

Descriptive statistics

Standard deviation	37.13992446
Coefficient of variation (CV)	0.7808772211
Kurtosis	-1.095347249
Mean	47.56179775
Median Absolute Deviation (MAD)	29
Skewness	0.4758560852
Sum	38097
Variance	1379.373989

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	30	3.7%
10	17	2.1%
5	17	2.1%
6	15	1.9%
1	15	1.9%
42	14	1.7%
11	14	1.7%
21	14	1.7%
22	13	1.6%
12	13	1.6%
Other values (111)	639	79.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	30	3.7%
1	15	1.9%
2	11	1.4%
3	12	1.5%
4	12	1.5%

Value	Count	Frequency (%)
120	7	0.9%
119	7	0.9%
118	5	0.6%
117	6	0.7%
116	6	0.7%

Age
Real number (ℝ_≥0)

Distinct count	25
Unique (%)	3.1%
Missing	1
Missing (%)	0.1%
Infinite	0
Infinite (%)	0.0%

Mean	31.273972602739725
Minimum	18.0
Maximum	42.0
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	18
5-th percentile	24
Q1	29
median	32
Q3	34
95-th percentile	38
Maximum	42
Range	24
Interquartile range (IQR)	5

Descriptive statistics

Standard deviation	4.096060699
Coefficient of variation (CV)	0.1309734696
Kurtosis	-0.1453879945
Mean	31.2739726
Median Absolute Deviation (MAD)	3
Skewness	-0.2347842426
Sum	25113
Variance	16.77771325

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
32	95	11.8%
33	76	9.5%
30	71	8.8%
31	67	8.3%
29	63	7.8%
35	60	7.5%
34	55	6.8%
28	48	6.0%
36	47	5.8%
27	42	5.2%
Other values (15)	179	22.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
18	1	0.1%
19	1	0.1%
20	3	0.4%
21	3	0.4%
22	8	1.0%

Value	Count	Frequency (%)
42	2	0.2%
41	3	0.4%
40	4	0.5%
39	15	1.9%
38	22	2.7%

No_of_credit_acc
Real number (ℝ_≥0)

Distinct count	9
Unique (%)	1.1%
Missing	1
Missing (%)	0.1%
Infinite	0
Infinite (%)	0.0%

Mean	2.4022415940224158
Minimum	1.0
Maximum	9.0
Zeros	0
Zeros (%)	0.0%
Memory size	6.3 KiB

Quantile statistics

Minimum	1
5-th percentile	1
Q1	1
median	2
Q3	3
95-th percentile	5
Maximum	9
Range	8
Interquartile range (IQR)	2

Descriptive statistics

Standard deviation	1.536373603
Coefficient of variation (CV)	0.6395583219
Kurtosis	2.748836272
Mean	2.402241594
Median Absolute Deviation (MAD)	1
Skewness	1.498095834
Sum	1929
Variance	2.360443847

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
2	285	35.4%
1	261	32.5%
4	81	10.1%
5	79	9.8%
3	79	9.8%
9	8	1.0%
7	4	0.5%
8	3	0.4%
6	3	0.4%
(Missing)	1	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	261	32.5%
2	285	35.4%
3	79	9.8%
4	81	10.1%
5	79	9.8%

Value	Count	Frequency (%)
9	8	1.0%
8	3	0.4%
7	4	0.5%
6	3	0.4%
5	79	9.8%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Cramér's V (φc)

Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.

First rows

	ID	Default	Checking_amount	Term	Credit_score	Gender	Marital_status	Car_loan	Personal_loan	Home_loan	Education_loan	Emp_status	Amount	Saving_amount	Emp_duration	Age	No_of_credit_acc
0	101	No	988.0	15.0	796.0	Female	Single	Yes	No	No	No	employed	1536.0	3455	12.0	38.0	1.0
1	102	No	458.0	15.0	813.0	Female	Single	Yes	No	No	No	employed	947.0	3600	25.0	36.0	1.0
2	103	No	158.0	14.0	756.0	Female	Single	No	Yes	No	No	employed	1678.0	3093	43.0	34.0	1.0
3	104	Yes	300.0	25.0	737.0	Female	Single	No	No	No	Yes	employed	1804.0	2449	0.0	29.0	1.0
4	105	Yes	63.0	24.0	662.0	Female	Single	No	No	No	Yes	unemployed	1184.0	2867	4.0	30.0	1.0
5	106	No	1071.0	20.0	828.0	Male	Married	Yes	No	No	No	employed	475.0	3282	12.0	32.0	2.0
6	107	No	-192.0	13.0	856.0	Male	Single	Yes	No	No	No	employed	626.0	3398	11.0	38.0	1.0
7	108	No	172.0	16.0	763.0	Female	Single	Yes	No	No	No	employed	1224.0	3022	12.0	36.0	1.0
8	109	No	585.0	20.0	778.0	Female	Single	Yes	No	No	No	unemployed	1162.0	3475	12.0	36.0	1.0
9	110	Yes	189.0	19.0	649.0	Male	Married	Yes	No	No	No	employed	786.0	2711	0.0	29.0	1.0

Last rows

	ID	Default	Checking_amount	Term	Credit_score	Gender	Marital_status	Car_loan	Personal_loan	Home_loan	Emp_status	Amount	Saving_amount	Emp_duration	Age	No_of_credit_acc
794	895	No	142.0	13.0	773.0	Male	Married	Yes	No	No	unemployed	1394.0	3134	19.0	30.0	2.0
795	896	No	145.0	21.0	792.0	Male	Married	No	Yes	No	unemployed	1183.0	2881	14.0	35.0	1.0
796	897	No	414.0	22.0	752.0	Male	Married	No	Yes	No	unemployed	1373.0	3165	42.0	30.0	2.0
797	898	Yes	85.0	20.0	843.0	Male	Married	Yes	No	No	unemployed	1078.0	3212	109.0	30.0	2.0
798	899	Yes	-293.0	21.0	818.0	Female	Single	Yes	No	No	unemployed	1002.0	2983	0.0	29.0	2.0
799	900	No	393.0	18.0	846.0	Female	Single	No	Yes	No	unemployed	1603.0	3282	54.0	31.0	1.0
800	901	No	462.0	21.0	810.0	Female	Single	Yes	No	No	unemployed	1435.0	3873	110.0	32.0	1.0
801	902	No	717.0	17.0	739.0	Male	Married	Yes	No	No	unemployed	1669.0	3453	32.0	31.0	2.0
802	903	No	822.0	17.0	783.0	Male	Married	No	Yes	No	unemployed	1041.0	3312	43.0	34.0	2.0
803	904	Yes	512.0	18.0	601.0	Male	Married	Yes	No	No	unemployed	997.0	3060	104.0	26.0	1.0

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Cramér's V (φc)

Missing values

Sample

First rows

Last rows